The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$18,125
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,689
−HK$573/mo
Today · 4.125%
HK$19,262
baseline
▲ 0.50% · 4.625%
HK$20,434
+HK$1,172/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,524/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,164
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,705
−HK$548/mo
Today · 4.125%
HK$21,253
baseline
▲ 0.50% · 4.625%
HK$22,374
+HK$1,121/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,506/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,750
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,427
−HK$687/mo
Today · 4.125%
HK$23,114
baseline
▲ 0.50% · 4.625%
HK$24,521
+HK$1,407/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,228/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,197
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,846
−HK$658/mo
Today · 4.125%
HK$25,504
baseline
▲ 0.50% · 4.625%
HK$26,849
+HK$1,345/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,008/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,375
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,165
−HK$802/mo
Today · 4.125%
HK$26,967
baseline
▲ 0.50% · 4.625%
HK$28,607
+HK$1,640/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,934/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,230
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,987
−HK$768/mo
Today · 4.125%
HK$29,755
baseline
▲ 0.50% · 4.625%
HK$31,323
+HK$1,568/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,510/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,625
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,640
−HK$1,031/mo
Today · 4.125%
HK$34,671
baseline
▲ 0.50% · 4.625%
HK$36,781
+HK$2,110/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$69,342/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,295
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,269
−HK$987/mo
Today · 4.125%
HK$38,256
baseline
▲ 0.50% · 4.625%
HK$40,273
+HK$2,017/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$76,512/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,463 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).